National Association Of Credit Services misrepresentation & deception St. Petersburg Florida

I received a call from NACS (National Association of Credit Services, Inc.), the representative was friendly and seemed to have my best interest in mind.

I agreed to set up an account which required a $200.00 deposit. Upon doing this I would be able to order merchandise out of catalogs that carried the same merchandise that Dillards, Lowes, etc. carried, but at a 40% to 60% discount. The credit line would be $2,500.00. This sounded great. I asked if I had to put a deposit on an order when ordering the merchandise, I was told no.

I received a Verification & Acceptance Certificate a few days before the $200.00 was to be taken out of my account. The notice said that upon signing I agreed to the credit agreement and to having the $200.00 taken out of my account. I read over the credit agreement and found that a 35% deposit had to be place on merchandise ordered.

I called and asked to have the transaction canceled. I was then told that there was a $35.00 early termination fee that I would be charged. This was a first to hear about. This time around they where not as friendly and rather sarcastic, in addition I had to wait approximately 10 minutes to talk to a representative.

I called back again and asked to speak to a manager or supervisor. I waited 15 minutes before Joesph Phillips answered and he was extremely sarcastic and had an "Oh well, your loss" air about him. He said he had the recorded verification and agreement and that I agreed to this. I asked if he had the whole conversation recorded, because I agreed based on what I was told in that conversation. He tried to use a play on words concerning the question I asked about the down payment. At that time I told him that I would not continue the conversation with him and that I just need direct contact information.

I was charged the $35.00 fee the following day.

I contacted my attorney and was advised to file a report with the Better Business Bureau and the State's Attorney General's Office. In addition I filed a complaint with the Federal Trade Commission and the National Consumer's League. My attorney also sent a letter.

Two days later,(today), I received a call from Sam at NACS asking if I would report back to the BBB that I was given a refund of the $35.00. I told him when I received my money, I would make the report. I asked why Mr. Phillips couldn't settle this matter when I spoke with him. No explaination was given.

I feel confident that I will receive a refund because NACS wants me to report back to the BBB that the matter has been corrected. For all those who have been ripped off, report your situation to the BBB online: http://complaints.bbb.org/Welcome.asp

Ebony
Brooklyn, New York
U.S.A.

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